Address Change Notification

1. A computer-assisted method comprising: receiving, by the processor, a request to change a customer address of an account holder for an account from an old address to a new address, the request corresponding to account information with balance information; comparing, by the processor, the balance information with an account balance threshold; when the balance information exceeds the account balance threshold, notifying the account holder of the request to change the customer address; and when the balance information does not exceed the account balance threshold, continuing, by the processor, to process the request to determine whether a change notification is provided to the account holder.

2. The method of claim 1 , further comprising: when the new address matches with on-line banking (OLB) information, excluding the request from further processing so that no notification is sent to the account holder.

3. The method of claim 1 , further comprising: generating only one notification to the account holder when the account holder is associated with a plurality of accounts.

4. The method of claim 1 , wherein the comparing comprises: when the account information is for a first account type, comparing the account information to a first maximum account balance threshold; and when the account information is for a second account type, comparing the account information to a second maximum account balance threshold.

5. The method of claim 1 , further comprising: obtaining updated address information from a national change of address (NCOA) database; and when the updated address information matches the new address, excluding the request.

6. The method of claim 1 , further comprising: when postal zip information in the account information includes a high risk zip code, notifying the account holder of the request to change the customer address.

7. The method of claim 1 , wherein the account holder is associated with a plurality of accounts, the method further comprising: when aggregated balance information for the plurality of accounts exceeds a total account balance threshold, notifying the account holder of the request.

8. The method of claim 1 , further comprising: adjusting processing parameters based on exclusions resulting in undetected fraud occurrences and inclusions resulting in false fraud occurrences.

9. The method of claim 1 , further comprising: when account status in the account information is on a list of excluded status codes, excluding the request.

10. The method of claim 1 , further comprising: determining a form of notification to send to the account holder from a plurality of notification types.

11. A non-transitory computer-readable storage medium storing computer-executable instructions that, when executed, cause a processor to perform: receiving a request to change a customer address of an account holder for an account from an old address to a new address, the request corresponding to account information with balance information; when the balance information is less than a minimum account balance threshold, excluding the request; when the balance information exceeds a maximum account balance threshold, notifying the account holder of the request to change the customer address; and when the balance information does not exceed the account balance threshold, continuing to process the request to determine whether a notification is generated.

12. The computer-readable medium of claim 11 , wherein the computer-executable instructions, when executed, cause the processor to perform: when the new address matches with on-line banking (OLB) information, excluding the request from further processing so that no notification is sent to the account holder.

13. The computer-readable medium of claim 11 , wherein the computer-executable instructions, when executed, cause the processor to perform: generating only one notification to the account holder when the account holder is associated with a plurality of accounts.

14. The computer-readable medium of claim 11 , wherein the computer-executable instructions, when executed, cause the processor to perform: when the account information is for a first account type, comparing the account information to a first maximum account balance threshold; and when the account information is for a second account type, comparing the account information to a second maximum account balance threshold.

15. The computer-readable medium of claim 11 , wherein the computer-executable instructions, when executed, cause the processor to perform: when the account holder is associated with a plurality of accounts and aggregated balance information for the plurality of accounts exceeds a total account balance threshold, notifying the account holder of the request.

16. The computer-readable medium of claim 11 , wherein the computer-executable instructions, when executed, cause the processor to perform: adjusting processing parameters based on exclusions resulting in undetected fraud occurrences and inclusions resulting in false fraud occurrences.

17. An apparatus comprising: a memory; and a processor coupled to the memory and configured to perform, based on instructions stored in the memory: receiving a request to change an account address of an account holder for an account from an old address to a new address, the request corresponding to account information with balance information; comparing the balance information with at least one account balance threshold; determining that the balance information exceeds the at least one account balance threshold of a plurality of accounts for the account holder; and generating only one notification to the account holder.

18. The apparatus of claim 17 , wherein the processor is further configured to perform: when the new address matches with on-line banking (OLB) information, excluding the request from further processing so that no notification is sent to the account holder.

19. The apparatus of claim 17 , wherein the processor is further configured to perform: when the balance information exceeds the at least one account balance threshold, notifying the account holder of the request to change the customer address; and when the balance information does not exceed the at least one account balance threshold, continuing to process the request to determine whether a notification is generated.

20. The apparatus of claim 17 , wherein the processor is further configured to perform: when the account information is for a first account type, comparing the account information to a first maximum account balance threshold; and when the account information is for a second account type, comparing the account information to a second maximum account balance threshold.

21. The apparatus of claim 17 , wherein the processor is further configured to perform: when an aggregated balance for the plurality of accounts exceeds a total account balance threshold, notifying the account holder of the request.

22. The apparatus of claim 17 , wherein the processor is further configured to perform: adjusting processing parameters based on exclusions resulting in undetected fraud occurrences and inclusions resulting in false fraud occurrences.